As all old people say mortgage is the necessary evil and the only way to make a good investment in your own house or apartment. The worst thing is that you put your head in the bag and 30-40 years of paying every month until you finally get to the moment where you're going to have your very own property.

Now that's inevitable since most of us moved to the big city or places where employment is easily accessible than home, and the only way to settle down permanently and buy a house or other property is to make the most important decision in your life and choose the best mortgage lender available in your area.

Choosing your mortgage lender is the most important part since you're going to engage extremely long term relationship in which all possible "accidental fees" can strike you badly on your well prepared budget. The reponsibility to pay few thousand dollars each month and make sure you don't miss a payment is vital or otherwise some lenders might increase your ARP and kill your future enslaving you for life!....

To tell you the truth I'm not really a mortgage expert but I'm starting to know the industry since currently I'm just like you - looking for a good mortgage lender to get some very attractive loan and pursue my dream in buying my dream house, and thus I'm investigating the situation really carefully before I invest most of my income in the next 30 years.